Optima Tax Service - Natalie Mannon

🚨 TODAY IS TAX DAY 🚨

If you OWE the IRS → You MUST file today to avoid penalties.
If you're getting a REFUND → You still have time, no rush!

Not ready to file? No problem — I’m filing EXTENSIONS for just $75 ✔️

Message me ASAP so we can get you protected before midnight!

💰 $16,129 FEDERAL REFUND 💰

Married Filing Jointly
👨‍👩‍👧‍👦 2 Dependents
⏱️ NO TAX ON OVERTIME

📊 AGI: $129,596
💵 Federal Refund: $16,129

This is what happens when:
✔️ Overtime is handled correctly
✔️ Credits are applied properly
✔️ Your return is prepared the RIGHT way

📲 Message me now to get scheduled!

⚠️ Refund amounts vary.

📣 TAX ADVANCES AVAILABLE

💰 GET UP TO $7,500 BEFORE YOUR REFUND

✔ In-Season Advances
✔ Direct Deposit
✔ Fast & Secure Funding

💵 ADVANCE AMOUNTS:
• From $250 up to $7,500
• Most approvals fall between $1,000 – $4,800

⸻

📋 IMPORTANT REQUIREMENT:

✅ ALL TAX DOCUMENTS MUST BE READY TO FILE
✅ Return must be complete and accurate
✅ Advance approval is based on filed tax return information

⚠️ No estimates. No partial documents.
Your tax return must be ready to transmit before any advance can be approved.

🚨 Need Cash Fast? 🚨
You may qualify for a Tax Refund Advance up to $7,500 💸

If you:
✔️ Worked overtime or made tips in 2025
✔️ Bought a new car in 2025

👉 PLEASE tell me when you message me!
These details can help maximize your refund.

🌎 Serving all 50 states
— Optima Tax Service

Advances up to $7500 already being funded 💨
Who’s next?

If you haven’t received your 2025 tax organizer, please reach out so I can get everything ready for your return.

⚠️Do NOT throw this away if it comes in the mail!

This is your 1095-A from Marketplace insurance. Even if you have insurance through your employer, or medicaid you may still receive this form.

If you file your taxes without it, the system will reject your return. ❌ I CANNOT file your taxes without this form.

If you purchased coverage through Marketplace and created a HealthCare.gov account, you can download your Form 1095-A directly from your account.

🚗 Exciting News for Car Buyers 🚗

Get ready to save big with the new tax law !! You could deduct up to $10,000 of interest on your car loan, even if you take the standard deduction!

Here’s what you need to know:

✅ Eligibility:Applies to vehicles purchased after **December 31, 2024 (for tax years 2025–2028).

✅ Personal Use: Must be for personal use—not for business.

✅ New Vehicles: Includes new cars, vans, SUVs, pickups, or motorcycles under **14,000 lbs GVWR**, and must be assembled in the U.S.

✅ Loan Requirements: The loan must be secured by the vehicle and taken out after December 31, 2024 .

✅ No Itemizing Needed: Enjoy the benefits without the hassle of itemizing deductions!

💰 Why This Matters: Planning to buy a new car? This deduction could save you hundreds or even thousands on your tax bill!

📌 Next Steps: Consult your tax advisor, keep your vehicle’s VIN and purchase documents handy, and track your interest payments.

This is your chance to drive home a new vehicle and save on taxes! Need assistance? DM us, and let our knowledgeable team guide you!

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LONG POST... BUT PLEASE READ!!!

Let’s analyze the CHILD TAX CREDIT

Here’s the EXACT breakdown from an actual scenario:

📌 Client Profile
Filing Status: Head of Household
Dependents: 4
Income: 1 W-2
Federal Taxes Withheld: $4,202
Standard Deduction (HOH): $23,625
Taxable Income: $75,630
IRS Tax on That Income: $9,813

📉 STEP 1: IRS Calculates the Tax First

Before ANY credits, the IRS says:
👉 “You owe $9,813 in taxes.”
Straight from the HOH tax table.

👶 STEP 2: Apply the Child Tax Credit (2025–OBBBA UPDATE)

CTC = $2,200 per qualifying child under 17
This client has 4 kids:

➡️ 4 × $2,200 = $8,800 in Child Tax Credit
(Nonrefundable — meaning it reduces the tax you owe)

Look at the form:
Line 19 = $8,800.00 ✔️

That reduced their $9,813 tax bill down to $1,013.

🧮 STEP 3: Total Tax AFTER Credits

$9,813 (initial tax)
– $8,800 (CTC)
= $1,013 tax owed

➡️ Final Total Tax Liability: $1,013
(Line 24)

💵 STEP 4: Compare to What They Already Paid

They already paid:
$4,202 in federal withholding (Line 25a)

IRS says they only owe $1,013.

So:

$4,202 paid in
– $1,013 owed
= $3,189 REFUND
(Line 34)

🧠 THE POINT IS: YES, YOU GET THE $2,200 PER CHILD.

Is it fully refundable? No.
Does it reduce your tax liability dollar-for-dollar? YES.
Does that impact your refund? YES.
Does this example prove it? ALSO YES.

This client received:

✔️ The full $2,200 per child ($8,800 total)
✔️ Their tax dropped from $9,813 → $1,013
✔️ And because they already paid $4,202 into taxes…
➡️ They’re getting a $3,189 refund.

🗣️ FOR ANYONE SAYING “YOU’RE NOT GETTING $2,200 PER KID”…

You may not understand:
✔️Tax liability
✔️Refundability
✔️Nonrefundable credits
✔️How CTC actually works

The Child Tax Credit DOES what it’s designed to do:

👉 Reduce your tax bill.
👉 Increase your refund when you’ve paid in.

And THIS is your proof.

If you need money now you can get a flex advance with Turbo Tax and still file with me in January! 💰

What’s TurboTax Flex Advance? TurboTax Flex Advance is a short-term loan that gets you money fast. Loan amounts range from $350 to $2,000 and must be paid back by April 1, 2026.Key features

Holiday Loans will not be available this year. Advances up to $7500 will start January 2nd.